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[this is a data cube dataset] A data cube dataset in folders : Economic Activity, Benefits and Tax Credits, Accountant in Bankruptcy

Personal Insolvency

Personal insolvencies in Scotland (awards of bankruptcy and Protected Trusts Deeds).

View as a spreadsheet
Dimensions
Dimension
Value
Measure Type
  1. Count
  2. Ratio
Personal Insolvency
  1. Bankruptcies
  2. Protected Trust Deeds
  3. Total Personal Insolvencies
Reference Period
  1. 2011/2012
  2. 2012/2013
  3. 2013/2014
  4. 2014/2015
  5. 2015/2016
  6. 2016/2017
  7. 2017/2018
  8. 2018/2019
  9. 2019/2020
Reference Area
(showing types of area available in these data)
  1. Countries
  2. Council Areas
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Entire dataset
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CSVN-Triples
About the Dataset
Contact
Publisher
Accountant in Bankruptcy
Creator
Accountant in Bankruptcy
In folders
License
Issued
14/11/2016
Modified
12/10/2020
Next update due
November 2021
Description

Bankruptcy (also known as sequestration in Scotland) is a legal declaration that someone cannot pay their debts. If a person is declared bankrupt, control of things that they own, is passed to a trustee who may sell them to pay money owed to creditors. A regular payment from a person's income may also have to be made.

Protected Trust Deed (PTD) is a form of insolvency that transfers a debtor's estate to a trustee to be realised for the benefit of creditors.

Number of personal insolvencies (count) and the rate per 10,000 adult (aged 16+) population (ratio) in Scotland by local authority. This ratio provides a representative picture of the concentration of bankruptcies and PTDs in Scotland. The statistics are compiled by Accountant in Bankruptcy (AiB), an executive agency of the Scottish Government. The majority of the statistics presented are derived from AiB administrative records. This dataset covers insolvencies in Scotland. Statistics covering England & Wales, and Northern Ireland are available from The Insolvency Service.

Non-statutory debt solutions, where debtors make their own arrangements with creditors or enter informal debt management plans with a debt management firm, are not included.

Details
Confidentiality Policy

This dataset does not contain any sensitive or personal information.

Quality Management

Checks are in place to identify and remove duplication of cases when extracting data from the administrative systems, to ensure that returns cover all debt management solutions, and to check consistency within tables and between related tables.

Accuracy and Reliability

All formal insolvency procedures entered into by an individual are required by law to be reported to the appropriate body, so the statistics should be a complete record of insolvency in Scotland at the time of publication.

The numbers of bankruptcies and PTDs are based on the date of the order or agreement of the insolvency procedure. They are not based on the date registered on AiB’s administrative recording system.

Personal insolvencies have been classified into geographic areas on the basis of the postcode supplied by the individual. The most recent address is used to classify the debtor's location.

Adult population estimates for each local authority are taken from the National Records of Scotland mid-year estimates. Rate per 10,000 adults (aged 16+) is the specific number of statutory debt solution divided by the number of people aged 16 or over, multiplied by 10,000. A rate of a 100 per 10,000 adults is equivalent to 1% of the adult population. A small number of cases were unable to be matched to the Scottish Postcode Directory (either the postcode was unknown, missing or the applicant supplied a postcode outside of Scotland) and therefore not included in a local authority and listed as ‘unknown’. These cases have been included in the overall Scotland totals and rates. For all three statutory debt solutions unknown postcodes accounted for less than 1% of annual statutory debt solutions in recent years. A postcode quality file is available from AiB.

Coherence and Comparability

Changes in legislation and policy can affect the extent to which comparisons can be made over time for individual data series. Where such changes are known, they have been highlighted in the general background notes for the quarterly Scottish Insolvency Statistics and the monthly Scottish Statutory Debt Solutions Statistics, available from AiB.

Further information on the historical trends of the statutory debt solution in Scotland can also be found in AiB’s annual corporate report and quarterly statistics reports.

The number of Scottish statutory debt solutions and the rate per 10,000 adults presented in this dataset may not be consistent with the official, quarterly (and monthly) statistics. This dataset is based on data extracted from the live database at a different point in time and on a different basis. Differences between the two sources are larger for earlier years where historic data extracts have been used. The quarterly and monthly statistics are the definitive source of the number of Scottish statutory debt solutions in each financial year and the rate per 10,000 adults.

Accessibility and Clarity

The quarterly Scottish Insolvency Statistics and monthly Scottish Statutory Debt Solutions Statistics are available free of charge to the end user on the AiB website.. They are released via the AiB website, ScotStat and this website.

Relevance

The statistics produced by AiB are the most complete record of personal insolvencies in Scotland. They include all statutory insolvency procedures available. Statistics on the Debt Arrangement Scheme (DAS), the only statutory debt management solution available in Scotland, are also published.

This dataset does not include non-statutory debt solutions. This is where debtors make their own arrangements with creditors or enter informal debt management plans with a debt management firm.

Key users of AiB’s insolvency statistics are AiB itself (which has policy responsibility for personal insolvencies in Scotland), the insolvency profession, local authorities, debt advice agencies, media organisations, academics, creditors and the general public.

Timeliness and Punctuality

The latest data relate to the financial year 2019-20. The final, national 2019-20 figures were published in 08 July 2020 as part of the monthly Scottish Statutory Debt Solutions Statistics release. The number of personal insolvencies (count) and the rate per 10,000 adult (aged 16+) population (ratio) in Scotland by local authority in 2019-20 were included in AiB’s annual corporate report, published in 30 September 2020. Future updates to this dataset will be made annually, alongside the publication of AiB’s annual corporate report.

The quarterly Scottish Insolvency Statistical release and the monthly Scottish Statutory Debt Solutions Statistics release contains the latest statistics on statutory debt solutions in Scotland. The Scottish Insolvency Statistics are published on the fourth Wednesday of the month on the AiB website following the end of the quarter being reported on.

Note, the Scottish Insolvency Statistics publications are suspended since March 2020 due to an urgent shift of resource to help manage immediate issues arising from the COVID-19 outbreak. Instead, the monthly Scottish Statutory Debt Solutions Statistics are produced and published on the second Wednesday of the month following the end of the month being reported on. These publication dates allow receipt of all the data inputs, and sufficient time for quality assurance the data extracts, tabulating records and completing the compilation of the statistical release in the publication format.

The rate per 10,000 adults (aged 16+) population is dependent on population estimates at local authority level for the denominator in this calculation. Adult population estimates for each local authority are taken from the National Records of Scotland mid-year estimates, which for mid-2019 were published in April 2020.

Revisions

Insolvency rates are annually revised, as a result of revisions to the underlying population data published by the National Records of Scotland.

Annual statutory debt solutions in each local authority are based on finalised data and as such there are no associated planned revisions. There are times, however, when revisions may still need to be made. Where ad-hoc revisions are made, they will be highlighted and reasons for any revisions will be given. More information on the revision policy can be requested from AiB.

URI

This is a linked data resource: it has a permanent unique uri at which both humans and machines can find it on the Internet, and which can be used an identifier in queries on our SPARQL endpoint.

http://statistics.gov.scot/data/personal-insolvency
Dimensions Linked Data

A linked data-orientated view of dimensions and values

Dimension Locked Value
Personal Insolvency
http://statistics.gov.scot/def/dimension/personalInsolvency
(not locked to a value)
Reference Area
http://purl.org/linked-data/sdmx/2009/dimension#refArea
(not locked to a value)
Reference Period
http://purl.org/linked-data/sdmx/2009/dimension#refPeriod
(not locked to a value)
Measure Type
http://purl.org/linked-data/cube#measureType
(not locked to a value)
Graphs

Linked Data is stored in graphs. We keep dataset contents (the data) separately from the metadata, to make it easier for you to find exactly what you need.

The data in this dataset are stored in the graph: http://statistics.gov.scot/graph/personal-insolvency

The data structure definition for this data cube dataset is stored in the same graph as the data: http://statistics.gov.scot/graph/personal-insolvency

All other metadata about this dataset are stored in the graph: http://statistics.gov.scot/graph/personal-insolvency/metadata

Linked Data Resources

A breakdown by type of the 1,798 resources in this dataset's data graph.

Resource type Number of resources
Collection 2
Component specification 12
Data set 1
Data structure definition 1
Observation 1,782
All metadata
In Graph http://statistics.gov.scot/graph/personal-insolvency/metadata
Accessibility and Clarity http://statistics.gov.scot/def/statistical-quality/accessibility-and-clarity
The quarterly Scottish Insolvency Statistics and monthly Scottish Statutory Debt Solutions Statistics are available free of charge to the end user on the AiB website.. They are released via the [AiB website](https://www.aib.gov.uk/about-aib/statistics-data/quarterly-statistics), ScotStat and this website. xsd:string
Accuracy and Reliability http://statistics.gov.scot/def/statistical-quality/accuracy-and-reliability
All formal insolvency procedures entered into by an individual are required by law to be reported to the appropriate body, so the statistics should be a complete record of insolvency in Scotland at the time of publication. The numbers of bankruptcies and PTDs are based on the date of the order or agreement of the insolvency procedure. They are not based on the date registered on AiB’s administrative recording system. Personal insolvencies have been classified into geographic areas on the basis of the postcode supplied by the individual. The most recent address is used to classify the debtor's location. Adult population estimates for each local authority are taken from the National Records of Scotland mid-year estimates. Rate per 10,000 adults (aged 16+) is the specific number of statutory debt solution divided by the number of people aged 16 or over, multiplied by 10,000. A rate of a 100 per 10,000 adults is equivalent to 1% of the adult population. A small number of cases were unable to be matched to the Scottish Postcode Directory (either the postcode was unknown, missing or the applicant supplied a postcode outside of Scotland) and therefore not included in a local authority and listed as ‘unknown’. These cases have been included in the overall Scotland totals and rates. For all three statutory debt solutions unknown postcodes accounted for less than 1% of annual statutory debt solutions in recent years. A postcode quality file is available from AiB. xsd:string
Comment rdfs:comment http://www.w3.org/2000/01/rdf-schema#comment
Personal insolvencies in Scotland (awards of bankruptcy and Protected Trusts Deeds). xsd:string
Comparability and Coherence http://statistics.gov.scot/def/statistical-quality/comparability-and-coherence
Changes in legislation and policy can affect the extent to which comparisons can be made over time for individual data series. Where such changes are known, they have been highlighted in the general background notes for the quarterly Scottish Insolvency Statistics and the monthly Scottish Statutory Debt Solutions Statistics, available from AiB. Further information on the historical trends of the statutory debt solution in Scotland can also be found in AiB’s annual corporate report and quarterly statistics reports. The number of Scottish statutory debt solutions and the rate per 10,000 adults presented in this dataset may not be consistent with the official, quarterly (and monthly) statistics. This dataset is based on data extracted from the live database at a different point in time and on a different basis. Differences between the two sources are larger for earlier years where historic data extracts have been used. The quarterly and monthly statistics are the definitive source of the number of Scottish statutory debt solutions in each financial year and the rate per 10,000 adults. xsd:string
Confidentiality http://statistics.gov.scot/def/statistical-quality/confidentiality
This dataset does not contain any sensitive or personal information. xsd:string
Contact email http://publishmydata.com/def/dataset#contactEmail
mailto:Ken.O'Neill@gov.scot
Creator dcterms:creator http://purl.org/dc/terms/creator
Accountant in Bankruptcy http://statistics.gov.scot/id/organisation/accountant-in-bankruptcy
Date Issued dcterms:issued http://purl.org/dc/terms/issued
November 14, 2016 16:38 xsd:dateTime
Date Modified dcterms:modified http://purl.org/dc/terms/modified
October 12, 2020 15:33 xsd:dateTime
Description dcterms:description http://purl.org/dc/terms/description
Bankruptcy (also known as sequestration in Scotland) is a legal declaration that someone cannot pay their debts. If a person is declared bankrupt, control of things that they own, is passed to a trustee who may sell them to pay money owed to creditors. A regular payment from a person's income may also have to be made. Protected Trust Deed (PTD) is a form of insolvency that transfers a debtor's estate to a trustee to be realised for the benefit of creditors. Number of personal insolvencies (count) and the rate per 10,000 adult (aged 16+) population (ratio) in Scotland by local authority. This ratio provides a representative picture of the concentration of bankruptcies and PTDs in Scotland. The statistics are compiled by Accountant in Bankruptcy (AiB), an executive agency of the Scottish Government. The majority of the statistics presented are derived from AiB administrative records. This dataset covers insolvencies in Scotland. Statistics covering England & Wales, and Northern Ireland are available from The Insolvency Service. Non-statutory debt solutions, where debtors make their own arrangements with creditors or enter informal debt management plans with a debt management firm, are not included. xsd:string
Graph http://publishmydata.com/def/dataset#graph
http://statistics.gov.scot/graph/personal-insolvency
Has a SPARQL endpoint at void:sparqlEndpoint http://rdfs.org/ns/void#sparqlEndpoint
http://statistics.gov.scot/sparql
http://publishmydata.com/def/dataset#nextUpdateDue http://publishmydata.com/def/dataset#nextUpdateDue
November 2021 xsd:string
In folder http://publishmydata.com/def/ontology/folder/inFolder
Economic Activity, Benefits and Tax Credits http://statistics.gov.scot/def/concept/folders/themes/economic-activity-benefits-and-tax-credits
Accountant in Bankruptcy http://statistics.gov.scot/def/concept/folders/organisations/accountant-in-bankruptcy
Label rdfs:label http://www.w3.org/2000/01/rdf-schema#label
Personal Insolvency xsd:string
License dcterms:license http://purl.org/dc/terms/license
http://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/
Publisher dcterms:publisher http://purl.org/dc/terms/publisher
Accountant in Bankruptcy http://statistics.gov.scot/id/organisation/accountant-in-bankruptcy
Quality Management http://statistics.gov.scot/def/statistical-quality/quality-management
Checks are in place to identify and remove duplication of cases when extracting data from the administrative systems, to ensure that returns cover all debt management solutions, and to check consistency within tables and between related tables. xsd:string
References dcterms:references http://purl.org/dc/terms/references
http://statistics.gov.scot/help http://statistics.gov.scot/help
Relevance http://statistics.gov.scot/def/statistical-quality/relevance
The statistics produced by AiB are the most complete record of personal insolvencies in Scotland. They include all statutory insolvency procedures available. Statistics on the Debt Arrangement Scheme (DAS), the only statutory debt management solution available in Scotland, are also published. This dataset does not include non-statutory debt solutions. This is where debtors make their own arrangements with creditors or enter informal debt management plans with a debt management firm. Key users of AiB’s insolvency statistics are AiB itself (which has policy responsibility for personal insolvencies in Scotland), the insolvency profession, local authorities, debt advice agencies, media organisations, academics, creditors and the general public. xsd:string
Revisions http://statistics.gov.scot/def/statistical-quality/revisions
Insolvency rates are annually revised, as a result of revisions to the underlying population data published by the National Records of Scotland. Annual statutory debt solutions in each local authority are based on finalised data and as such there are no associated planned revisions. There are times, however, when revisions may still need to be made. Where ad-hoc revisions are made, they will be highlighted and reasons for any revisions will be given. More information on the revision policy can be requested from AiB. xsd:string
Theme dcat:theme http://www.w3.org/ns/dcat#theme
Economic Activity, Benefits and Tax Credits http://statistics.gov.scot/def/concept/folders/themes/economic-activity-benefits-and-tax-credits
Accountant in Bankruptcy http://statistics.gov.scot/def/concept/folders/organisations/accountant-in-bankruptcy
Timeliness and Punctuality http://statistics.gov.scot/def/statistical-quality/timeliness-and-punctuality
The latest data relate to the financial year 2019-20. The final, national 2019-20 figures were published in 08 July 2020 as part of the monthly Scottish Statutory Debt Solutions Statistics release. The number of personal insolvencies (count) and the rate per 10,000 adult (aged 16+) population (ratio) in Scotland by local authority in 2019-20 were included in AiB’s annual corporate report, published in 30 September 2020. Future updates to this dataset will be made annually, alongside the publication of AiB’s annual corporate report. The quarterly Scottish Insolvency Statistical release and the monthly Scottish Statutory Debt Solutions Statistics release contains the latest statistics on statutory debt solutions in Scotland. The Scottish Insolvency Statistics are published on the fourth Wednesday of the month on the AiB website following the end of the quarter being reported on. Note, the Scottish Insolvency Statistics publications are suspended since March 2020 due to an urgent shift of resource to help manage immediate issues arising from the COVID-19 outbreak. Instead, the monthly Scottish Statutory Debt Solutions Statistics are produced and published on the second Wednesday of the month following the end of the month being reported on. These publication dates allow receipt of all the data inputs, and sufficient time for quality assurance the data extracts, tabulating records and completing the compilation of the statistical release in the publication format. The rate per 10,000 adults (aged 16+) population is dependent on population estimates at local authority level for the denominator in this calculation. Adult population estimates for each local authority are taken from the National Records of Scotland mid-year estimates, which for mid-2019 were published in April 2020. xsd:string
Title dcterms:title http://purl.org/dc/terms/title
Personal Insolvency xsd:string
Type rdf:type http://www.w3.org/1999/02/22-rdf-syntax-ns#type
Data set http://purl.org/linked-data/cube#DataSet
Dataset http://publishmydata.com/def/dataset#Dataset
http://publishmydata.com/def/dataset#LinkedDataset
In Graph http://statistics.gov.scot/graph/personal-insolvency
Structure qb:structure http://purl.org/linked-data/cube#structure
http://statistics.gov.scot/data/structure/personal-insolvency http://statistics.gov.scot/data/structure/personal-insolvency
Type rdf:type http://www.w3.org/1999/02/22-rdf-syntax-ns#type
Data set http://purl.org/linked-data/cube#DataSet
Machine-readable formats

In addition to this bookmarkable html page, this dataset metadata is also available for our robot customers in the following machine-readable formats. Please refer to the API documentation for more details.

dataset metadata JSON RDF/XML Turtle N-Triples Atom